Discover top business credit cards offering cashback rewards with advantages like no annual fees, sign-up bonuses, and extended intro rates. Tailored for different business spending habits, these cards help maximize savings and rewards. Evaluate features such as foreign transaction fees, employee privileges, and reward caps to find the perfect fit for your company’s financial strategy. Make informed choices and enhance your business’s financial health with these leading cashback credit cards designed for growth and savings.

Premier Business Credit Cards with Reward Programs

Cashback offers are popular for both personal and corporate spending. For businesses, choosing credit cards that offer cashback can lead to substantial savings. Each card comes with its own benefits, rewards, and potential drawbacks. The ideal card depends on your company’s spending patterns and specific requirements. Key features to compare include annual fees, interest rates, sign-up bonuses, foreign transaction fees, and employee card privileges to make a well-informed decision.

Picking the right credit card might seem challenging, but with proper information, it becomes easier. Check out these top four cashback business credit cards to find the one that best fits your company's needs.

Capital One Spark® Cash for Business

This card is designed for simple rewards — 2% cashback on all purchases. There’s no expiry date for rewards, no minimum redemption amount, and no earning caps. New cardholders can receive a $500 bonus after spending $4,500 in the first three months. Employee cards are complimentary. Benefits include primary rental car insurance and no foreign transaction fees. The annual fee is $95 after the first year. It’s ideal for businesses looking to maximize cashback across all expenses.

Eligibility includes wanting cashback on all transactions, earning a sign-up bonus, making international purchases, and offering employee rewards.

American Express Ink Business Cash℠

If your business has excellent credit, this card is suitable, especially if your spending includes telecom, internet, and office supplies. It offers a 0% introductory APR for 12 months and a $500 bonus after spending $3,000 within three months. Earn 5% cashback on combined office and communication costs ($25,000 cap annually) and on restaurant and gas expenses each year on your account anniversary. There’s no annual fee, with a balance transfer fee of 5% or $5.

Choose this card if you focus on office supplies, want a bonus, prefer no annual fee, and have a credit score above 750.

American Express SimplyCash® Plus Business Card

This popular cashback card with no annual fee offers 1% to 5% cashback on purchases. It provides a 15-month 0% interest period on new purchases, with a regular APR ranging from 14.49% to 21.49%. A 2.7% foreign transaction fee applies. Spending over $50,000 on U.S. wireless services grants 5% cashback. The card also offers “Extended Buying Power” to spend beyond your limit, earning cashback on those expenses.

Ideal for creditworthy businesses (score ≥700) seeking extended intro rates and saving on international transactions.

Bank of America Business Advantage Cash Rewards Mastercard®

Designed for Bank of America business clients, this card has no annual fee and offers 2% cashback on dining up to $50,000 annually, then 1%. It also provides 3% cashback on gas and other categories like technology, travel, or consulting. A $300 statement credit is available with $3,000 spent within 90 days. Loyal customers with linked accounts can earn up to 75% bonus rewards based on their balance and activity.

Apply if you hold a Bank of America checking account, want a 0% intro APR for nine billing cycles, or plan significant purchases.

These credit cards offer flexible earning options and valuable benefits tailored to various business needs. Selecting the right one can optimize your savings and rewards. Refer to this guide to choose the best cashback credit card for your enterprise.